LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,397
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,276
−HK$1,908/mo
Today · 4.125%
HK$64,184
baseline
▲ 0.50% · 4.625%
HK$68,090
+HK$3,906/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,368/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,191
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,993
−HK$1,828/mo
Today · 4.125%
HK$70,821
baseline
▲ 0.50% · 4.625%
HK$74,554
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,642/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,476
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,731
−HK$2,290/mo
Today · 4.125%
HK$77,021
baseline
▲ 0.50% · 4.625%
HK$81,708
+HK$4,687/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,042/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,629
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,792
−HK$2,193/mo
Today · 4.125%
HK$84,985
baseline
▲ 0.50% · 4.625%
HK$89,465
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,970/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,556
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,186
−HK$2,672/mo
Today · 4.125%
HK$89,858
baseline
▲ 0.50% · 4.625%
HK$95,326
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,716/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,067
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,590
−HK$2,559/mo
Today · 4.125%
HK$99,149
baseline
▲ 0.50% · 4.625%
HK$104,376
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,298/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,714
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,096
−HK$3,436/mo
Today · 4.125%
HK$115,532
baseline
▲ 0.50% · 4.625%
HK$122,562
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,064/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,944
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,187
−HK$3,291/mo
Today · 4.125%
HK$127,478
baseline
▲ 0.50% · 4.625%
HK$134,197
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,956/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,693 · Scale 2, in force from 26 Feb 2026)